Insurance quote for Mazda 6 in Colorado SpringsAre you looking for a better way to compare low-cost Mazda 6 insurance in Colorado Springs? Comparison shopping for more affordable Mazda 6 insurance in Colorado Springs can be slightly frustrating for beginners to quoting coverage prices online. With such a large number of agents and online companies available, it can easily be a difficult situation to find better prices on Mazda 6 insurance.

Unbelievable but true, a large majority of drivers kept their coverage with the same car insurance company for at least four years, and nearly the majority have never shopped around. American drivers could save $860 every year just by getting comparison quotes, but they mistakenly think it's difficult to compare rates online.

It's a good idea to get comparison quotes occasionally due to the fact that insurance prices go up and down regularly. Just because you found the lowest price on Mazda 6 insurance in Colorado Springs two years ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you're about to find out the tricks you need to know to find great coverage at a great price.

Just remember that quoting more helps increase your odds of locating the best rates. Some regional insurers cannot provide Colorado Springs 6 insurance quotes over the internet, so it's important to also get prices from the smaller companies as well.

The following companies are ready to provide free quotes in Colorado. If multiple companies are listed, we suggest you get rate quotes from several of them in order to get a fair rate comparison.

Mazda 6 Insurance Price Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $192 $288 $460 $28 $138 $1,106 $92
6 I SV 4-Dr Sedan $294 $536 $358 $22 $108 $1,318 $110
6 I Touring 4-Dr Sedan $252 $368 $460 $28 $138 $1,246 $104
6 I Touring Plus 4-Dr Sedan $162 $296 $396 $24 $118 $996 $83
6 I Touring Plus 4-Dr Sedan $342 $546 $352 $20 $106 $1,366 $114
6 I Grand Touring 4-Dr Sedan $146 $282 $330 $20 $98 $876 $73
6 S Touring Plus 6 Cyl 4-Dr Sedan $162 $350 $396 $24 $118 $1,050 $88
6 S Touring Plus 4-Dr Sedan $284 $434 $460 $28 $138 $1,344 $112
6 S Grand Touring 4-Dr Sedan $190 $340 $352 $20 $106 $1,008 $84
6 S Grand Touring 6 Cyl 4-Dr Sedan $306 $538 $352 $20 $106 $1,322 $110
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates noticeably.

Analysis of deductible levels

One of the most common auto insurance questions is at what level do you set your deductibles. The rates below illustrate the premium difference when you buy lower versus higher comp and collision deductibles. The first table uses a $100 physical damage deductible and the second pricing table uses a $500 deductible.

Mazda 6 insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
6 I SV 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
6 I Touring 4-Dr Sedan $302 $546 $352 $20 $106 $1,351 $113
6 I Touring Plus 4-Dr Sedan $342 $546 $352 $20 $106 $1,391 $116
6 I Touring Plus 4-Dr Sedan $342 $546 $352 $20 $106 $1,391 $116
6 I Grand Touring 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Touring Plus 6 Cyl 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Touring Plus 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Grand Touring 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
6 S Grand Touring 6 Cyl 4-Dr Sedan $342 $644 $352 $20 $106 $1,489 $124
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Mazda 6 insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
6 I Sport 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
6 I SV 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
6 I Touring 4-Dr Sedan $220 $368 $352 $20 $106 $1,066 $89
6 I Touring Plus 4-Dr Sedan $250 $368 $352 $20 $106 $1,096 $91
6 I Touring Plus 4-Dr Sedan $250 $368 $352 $20 $106 $1,096 $91
6 I Grand Touring 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
6 S Touring Plus 6 Cyl 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
6 S Touring Plus 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
6 S Grand Touring 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
6 S Grand Touring 6 Cyl 4-Dr Sedan $250 $434 $352 $20 $106 $1,162 $97
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in zip code location which can decrease or increase auto insurance rates significantly.

Based on the figures above, using a $100 deductible will cost you roughly $26 more each month or $312 for a full year than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 15 months between claim filings, you would come out ahead if you decide on a higher deductible. Below is the way you can do this calculation yourself.

Average monthly premium for $100 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $93
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

Auto insurance premiums based on gender

The illustration below illustrates the comparison of Mazda 6 auto insurance rates for male and female drivers. Data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no policy discounts are applied.

Don't overlook these Mazda 6 insurance discounts

Companies do not list every discount they offer in a way that's easy to find, so the next list breaks down some of the best known as well as some of the hidden discounts you could be receiving when you buy Colorado Springs auto insurance online.Cheaper insurance with discounts

It's important to note that most credits do not apply the the whole policy. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you could get a free insurance policy, it doesn't quite work that way.

Some of the insurance companies that may offer most of the discounts above possibly include:

If you need lower rates, check with each company or agent which discounts you may be entitled to. Depending on the company, some discounts may not apply to policies in Colorado Springs. If you would like to see a list of companies who offer discounts in Colorado, click here to view.

Why you need quality insurance for your Mazda 6

Even though it's not necessarily cheap to insure a Mazda in Colorado Springs, insuring your vehicle may be required for several reasons.

The benefits of insuring your 6 outweigh the cost, specifically if you ever have a liability claim. According to a recent study, the average American driver is wasting up to $700 annually so smart consumers compare quotes once a year at a minimum to save money.

What if I want to buy from local Colorado Springs car insurance agents?

Some people would prefer to get professional advice from a licensed agent and that is a smart decision One of the benefits of getting free rate quotes online is you can get cheap rate quotes and still choose a local agent. Putting coverage with local agents is important particularly in Colorado Springs.

Colorado Springs insurance agentsUpon completion of this simple form, your insurance data is transmitted to local insurance agents in Colorado Springs that provide free Colorado Springs auto insurance quotes to get your business. You don't have to contact any agents because prices are sent instantly to you. You can find lower rates without the usual hassles of price shopping. If you need to get a rate quote for a specific company, don't hesitate to navigate to their website to submit a rate quote request.

Exclusive and independent Colorado Springs auto insurance agents

When finding a local Colorado Springs insurance agency, there are two different agency structures and how they operate. Agents are classified as either independent agents or exclusive agents.

Independent Insurance Agencies or Brokers

Independent agents can sell policies from many different companies so they can quote policies through lots of different companies and find the cheapest insurance rates. If you want to switch companies, they can switch companies in-house and you don't have to do anything.

When comparing rate quotes, we recommend you contact several independent agencies to get the best comparison. Most have the option of insuring with lesser-known insurance companies that may have much lower rates than larger companies.

Listed below is a partial list of independent insurance agencies in Colorado Springs that can possibly get you free insurance rate quotes.

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Exclusive Agents

Exclusive agencies can only provide pricing for a single company such as Farmers Insurance, State Farm, Allstate, and AAA. They are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are well trained in insurance sales which helps them sell on service rather than price. Some people will only use the same agent mainly due to high brand loyalty rather than low price.

The following are Colorado Springs exclusive agencies who can help you get price quote information.

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Deciding on an insurance agency requires more thought than just a low price. These are some questions your agent should answer.

After getting good answers to these questions in addition to an acceptable price estimate, you have narrowed it down to an auto insurance agent that can be relied on to provide insurance coverage. Just remember consumers can cancel a policy at any point so never assume that you are permanently stuck with any specific company for the full policy term.